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WO2004092915A3 - Payment processing method and system using a peer-to-peer network - Google Patents

Payment processing method and system using a peer-to-peer network Download PDF

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Publication number
WO2004092915A3
WO2004092915A3 PCT/US2004/011586 US2004011586W WO2004092915A3 WO 2004092915 A3 WO2004092915 A3 WO 2004092915A3 US 2004011586 W US2004011586 W US 2004011586W WO 2004092915 A3 WO2004092915 A3 WO 2004092915A3
Authority
WO
WIPO (PCT)
Prior art keywords
peer
payment
information
processing
network
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/US2004/011586
Other languages
French (fr)
Other versions
WO2004092915A2 (en
Inventor
Charles K Howard
Olumfemi Omojola
John Fallon
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
VehicleSense Inc
Original Assignee
VehicleSense Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by VehicleSense Inc filed Critical VehicleSense Inc
Publication of WO2004092915A2 publication Critical patent/WO2004092915A2/en
Publication of WO2004092915A3 publication Critical patent/WO2004092915A3/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer And Data Communications (AREA)

Abstract

Method of processing payments for goods and services using electronic payment via a peer-to-peer network includes an order for the relevant goods or services being placed by a purchaser using a payment request terminal (111, 112, 113). The payment request terminal conveys purchaser payment information to a purchase request peer within the network (116). In response to the conveyed information, the purchase request peer locates within the network a payment-­processing peer with the ability to generate a charge against a specified account via a payment-processing terminal. The purchase request peer forwards the information through the network via Zero or more message-­passing peers to the payment-processing peer. The payment-processing peer attempts to generate the charge, and then returns the result of the attempt successful or unsuccessful to the purchase request peer and any other peers that have registered an interest in this information. The purchase request peer then provides this information to the payment request terminal if necessary.
PCT/US2004/011586 2003-04-15 2004-04-15 Payment processing method and system using a peer-to-peer network Ceased WO2004092915A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US46307803P 2003-04-15 2003-04-15
US60/463,078 2003-04-15

Publications (2)

Publication Number Publication Date
WO2004092915A2 WO2004092915A2 (en) 2004-10-28
WO2004092915A3 true WO2004092915A3 (en) 2005-08-18

Family

ID=33300035

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2004/011586 Ceased WO2004092915A2 (en) 2003-04-15 2004-04-15 Payment processing method and system using a peer-to-peer network

Country Status (2)

Country Link
US (1) US20050114262A1 (en)
WO (1) WO2004092915A2 (en)

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US9152957B2 (en) * 2012-03-23 2015-10-06 The Toronto-Dominion Bank System and method for downloading an electronic product to a pin-pad terminal after validating an electronic shopping basket entry
US9760939B2 (en) 2012-03-23 2017-09-12 The Toronto-Dominion Bank System and method for downloading an electronic product to a pin-pad terminal using a directly-transmitted electronic shopping basket entry
US9246965B1 (en) 2012-09-05 2016-01-26 Conviva Inc. Source assignment based on network partitioning
US10182096B1 (en) 2012-09-05 2019-01-15 Conviva Inc. Virtual resource locator
RU2012138317A (en) * 2012-09-10 2014-03-20 Общество С Ограниченной Ответственностью "Сиайэйчрус" FRACTAL PAYMENT SYSTEM
US12197448B2 (en) 2012-12-06 2025-01-14 Autonomous Id Canada Inc. Gait-based biometric data analysis system
US9204797B2 (en) 2012-12-06 2015-12-08 Autonomous Id Canada Inc. Gait-based biometric system for detecting pathomechanical abnormalities relating to disease pathology
US9864780B2 (en) 2012-12-06 2018-01-09 Autonomous_Id Canada Inc. Gait-based biometric data analysis system
US9451881B2 (en) 2012-12-06 2016-09-27 Autonomous_Id Canada Inc. Gait-based biometric system for detecting weight gain or loss
US9936452B2 (en) 2014-07-09 2018-04-03 Qualcomm Incorporated Traffic advertisement and scheduling in a neighbor aware network data link
US9955421B2 (en) * 2014-07-09 2018-04-24 Qualcomm Incorporated Traffic advertisement and scheduling in a neighbor aware network data link
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Also Published As

Publication number Publication date
WO2004092915A2 (en) 2004-10-28
US20050114262A1 (en) 2005-05-26

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